Your social security rights in Slovenia
The information provided in this guide has been drafted and updated in close collaboration with the national correspondents of the Mutual Information System on Social Protection (MISSOC). More information on the MISSOC network is available at: http://ec.europa.eu/social/main.jsp?langid=en&catid=815 This guide provides a general description of the social security arrangements in the respective countries. Further information can be obtained through other MISSOC publications, all available at the abovementioned link. You may also contact the competent authorities and institutions listed in annex to this guide. Neither the European Commission nor any person acting on behalf of the Commission may be held responsible for the use that may be made of the information contained in this publication. European Union, 2013 Reproduction is authorised provided the source is acknowledged. July 2013 2
Table of Contents Chapter I: Introduction, organisation and financing... 5 Introduction... 5 Organisation of social protection... 6 Financing... 6 Chapter II: Healthcare... 7 When are you entitled to healthcare?... 7 What is covered?... 7 How is healthcare accessed?... 7 Chapter III: Sickness cash benefits... 9 When are you entitled to sickness cash benefits?... 9 What is covered?... 9 How are sickness cash benefits accessed?... 9 Chapter IV: Maternity and paternity benefits...11 When are you entitled to maternity or paternity benefits?...11 What is covered?...11 How are maternity and paternity benefits accessed?...12 Chapter V: Invalidity benefits...13 When are you entitled to invalidity benefits?...13 What is covered?...13 How are invalidity benefits accessed?...15 Chapter VI: Old-age pensions and benefits...16 When are you entitled to old-age benefits?...16 What is covered?...16 How are old-age benefits accessed?...17 Chapter VII: Survivors benefits...18 When are you entitled to survivors benefits?...18 What is covered?...19 How are survivors benefits accessed?...20 Chapter VIII: Benefits in respect of accidents at work and occupational diseases...21 When are you entitled to benefits in respect of accidents at work and occupational diseases?...21 What is covered?...21 How are benefits in respect of accidents at work and occupational diseases accessed?...22 Chapter IX: Family benefits...23 When are you entitled to family benefits?...23 What is covered?...24 How are family benefits accessed?...24 Chapter X: Unemployment...26 When are you entitled to unemployment benefits?...26 What is covered?...26 How are unemployment benefits accessed?...27 Chapter XI: Minimum resources...28 When are you entitled to benefits regarding minimum resources?...28 What is covered?...28 How are minimum resources benefits accessed?...28 Chapter XII: Long-term care...29 When are you entitled to long-term care?...29 What is covered?...30 How is long-term care accessed?...30 July 2013 3
Annex: Useful addresses and websites...32 July 2013 4
Chapter I: Introduction, organisation and financing Introduction The Slovenian social security system encompasses social insurance, family benefits and the social assistance scheme. Social insurance schemes consist of mandatory pension and invalidity insurance, mandatory health insurance, unemployment insurance and parental protection insurance. These are compulsory for all employed persons and for the self-employed persons. The system is financed from social security contributions paid by employees and employers. Mandatory pension and disability insurance Mandatory pension and invalidity insurance covers the risks of old age, invalidity, assistance and attendance allowance, physical impairment and death. It is mandatory for employed persons, self-employed persons, farmers and certain other categories of persons engaged in specific activities. It is administered by a single agency, the Pension and Invalidity Insurance Institute of Slovenia (Zavod za pokojninsko in invalidsko zavarovanje Slovenije), which operates through a central office in Ljubljana, regional units and local branch offices. Its board of directors includes representatives of the government, trade unions, employers associations and pensioners, a representative of those disabled in industrial accidents, and employees of the Institute itself. Mandatory health insurance Persons insured under the mandatory health insurance scheme are entitled to medical benefits in kind (healthcare) and cash benefits, including sickness cash benefit, lumpsum death grant, (partial) reimbursement of funeral expenses, and reimbursement of costs for medical treatment outside Slovenia. The system covers employed persons, self-employed persons, farmers, social security benefits recipients (including pensioners) and other persons residing in the Republic of Slovenia, as well as their family members. The Health Insurance Institute of Slovenia (Zavod za zdravstveno zavarovanje Slovenije) is the only provider of mandatory health insurance. It operates through regional units and local branch offices. Its board of directors is made up of employers' and insured persons' representatives. There is a possibility for voluntary supplementary health insurance (insurance for copayments) for medical benefits not fully covered by the mandatory insurance. Unemployment insurance The unemployment insurance scheme guarantees the payment of unemployment benefits. The Employment Service of Slovenia (Zavod Republike Slovenije za zaposlovanje) operates a network of regional units and employment offices. Its board of directors comprises representatives of employers' organisations and trade unions, of the service's own employees and of the government. Unemployment insurance also covers the reimbursement of transportation and relocation costs, and guarantees entitlement to healthcare and coverage by the July 2013 5
pension and invalidity insurance. The application of these two entitlements is governed by specific provisions. Parental protection insurance The parental protection insurance covers parental leave (maternity, childcare, paternity and adoption leave) and parental benefits (maternity, childcare, paternity and adoption benefits) for employed persons, self-employed persons, farmers and certain other categories of persons in the Republic of Slovenia. The system operates through 62 regional Centres for Social Work (centri za socialno delo). Family benefits Family benefits are cash benefits, i.e. Parental Allowance, Childbirth Grant, Child Benefit, Large Family Allowance, Special Childcare Allowance and Partial Payment for Loss of Income. Social Assistance In the Slovenian social security system, along with general social assistance, there are several categorical social assistance benefits. Organisation of social protection The Ministry of Labour, Family, Social Affairs and Equal Opportunities supervises the activities of the Pension and Invalidity Insurance Institute of Slovenia, the Employment Service of Slovenia and the Centres for Social Work. Family benefits, social assistance and social services are granted by regional Centres for Social Work. The Ministry of Labour, Family, Social Affairs and Equal Opportunities is responsible for the supervision. Medical benefits for insured persons are set out by the Ministry of Health in cooperation with the Health Insurance Institute of Slovenia. Financing Slovenian social insurance schemes are financed by social security contributions from insured persons and employers. The State is under the constitutional obligation to cover any possible losses of social insurance schemes. Unemployment insurance and parental protection insurance are predominately financed from the State budget. Family benefits and social assistance are financed entirely from the State budget. July 2013 6
Chapter II: Healthcare When are you entitled to healthcare? If you are an employee, a self-employed person, a farmer, a recipient of a social security benefit (old-age, invalidity or survivor s pension, unemployment benefit, permanent social assistance), or a permanent resident who is not insured under any other heading, it is mandatory to be health-insured. Additionally, dependent family members, including spouses or cohabitating partners, children and step-children, and certain other persons who need to be looked after, are also entitled to healthcare. As a rule, no prior insurance period is required to be entitled to healthcare. Some exceptions might concern orthopaedic equipment, spectacles, hearing aids, prosthetics and other medical aids. What is covered? Under this insurance, you have access to physicians or primary medical centres contracted by the Health Insurance Institute of Slovenia. If they do not have supplementary insurance for co-payments, persons under the mandatory insurance scheme have to share the costs of healthcare, ranging from 10 to 90%. For some medical benefits there are no co-payments. For instance, there are no user charges for preventive healthcare; treatment and rehabilitation of children (including pharmaceuticals from the positive and intermediate lists); students; consulting services for family planning, contraception, pregnancy and childbirth; for some serious diseases; urgent healthcare; and some other benefits. Healthcare which is not required for medical purposes, such as cosmetic surgery and pharmaceuticals not found on the positive or intermediate lists, and alternative healthcare like homeopathy, are not covered by the mandatory health insurance. They have to be paid for by the patients themselves. You may be entitled to the reimbursement of travel expenses, if for example you have to visit a physician outside your place of residence or you are sent/summoned there by the responsible physician. If the journey lasts for more than 12 hours, limited accommodation expenses may also be reimbursed. How is healthcare accessed? You may freely choose your personal physician, i.e. general practitioner, gynaecologist, paediatrician and dentist. They act as so called gatekeepers, and a specialist can be accessed only on referral by a general practitioner. Once a referral has taken place, medical treatment, specialists, public and contracted private hospitals may also be freely chosen. July 2013 7
Names and addresses of the public and private contracted physicians who deliver healthcare are available on the Health Insurance Institute of Slovenia directory: Izvajalci zdravstvenih storitev. July 2013 8
Chapter III: Sickness cash benefits When are you entitled to sickness cash benefits? Sickness cash benefit is paid from mandatory health insurance to compensate for temporary loss of working capacity of economically active insured persons. Hence, it is paid to employees, self-employed persons, owners of private businesses, top athletes and chess players, and farmers. What is covered? Sickness cash benefit is usually paid by the employer for the first 30 days of absence. There is no requirement of prior insurance and the amount of benefit depends on the cause of absence. From the 31 st day of absence, the sickness cash benefit is paid by the Health Insurance Institute of Slovenia. In certain cases it is paid already from the first day of absence. This is the case for instance when tissue, organ or blood are donated or when incapacity to work is due to caring for an immediate family member; isolation or attendance/assistance ordered by the physician; and occupational disease or accident at work. Sickness cash benefit is usually paid for up to one year. Longer entitlements are exceptionally allowed, if medical treatment could not be completed within that time. It might also be paid for up to 30 days after termination of an employment contract. Duration is limited in case of nursing an immediate family member, for instance a child or a spouse. It is limited to seven working days and 15 working days for children under seven years of age or disabled children. Certain extensions are possible, for instance in the most severe cases up until the child reaches 18 years of age. Sickness cash benefit is calculated on the basis of average monthly salary, or the average contribution assessment basis (for instance for self-employed persons), in the calendar year preceding the year of absence. The amount of sickness cash benefit varies between 70% and 100% of the calculation basis. For instance, it amounts to 70% for non-work related injury for the first 90 days, 80% for non-work related disease, and 100% in case of occupational disease or accident at work, donation of tissue or organ, blood donation, or isolation ordered by a doctor. How are sickness cash benefits accessed? Sickness cash benefit is paid for the first 30 days on the grounds of an assessment of work incapacity or need for nursing a family member made by the chosen personal physician. After that, or in other cases when sickness cash benefit is paid from the mandatory health insurance from the first day of absence, the decision from a July 2013 9
designated physician is required. Appeal to the Health Commission of the Health Insurance Institute of Slovenia is possible in this case. Technically, sickness cash benefit is also paid by the employer from the 31 st day of absence onwards. The employer is reimbursed by the Health Insurance Institute of Slovenia when he or she sends in the valid and fully detailed certificate relating to the loss of working capacity and the financial statement. July 2013 10
Chapter IV: Maternity and paternity benefits When are you entitled to maternity or paternity benefits? Women are entitled to healthcare before, during and after the birth, on account of mandatory health insurance. Rights to parental leave and cash benefits stem from the parental protection insurance. In order to be entitled to maternity or paternity benefit, you have to be insured prior to the commencement of leave or at least 12 months in the preceding three years. The Maternity Leave/Benefit can usually be claimed by the mother of a child. Only exceptionally, it could be claimed by the child's father or another insured person caring for the child or an adoptive parent, if the mother died, left the child or is unable to live and work independently. As a rule, fathers and adoptive parents have the right to special benefits. If insurance conditions are not met, you may be entitled to Parental Allowance from the family benefit scheme. What is covered? The benefits of parental protection insurance are parental leave (maternity, paternity, adoption and childcare leave), parental benefits (Maternity, Paternity, Adoption and Childcare Benefit) and the right to work part-time due to parenthood. Maternity leave Maternity leave lasts for 105 calendar days, starting 28 days before the expected confinement date and 77 after this date. It is mandatory after the confinement and unused leave before the confinement cannot be transferred to the period when the child is born. Paternity leave Fathers are entitled to 90 days of paternity leave, of which 15 days have to be used during the first 6 months of the child s life. The remaining 75 days (only contributions paid) should be used before the child reaches the age of 3 years. Childcare leave After the exhaustion of the maternity leave, either of the parents may claim the childcare leave. It lasts for 260 calendar days and might in certain cases be extended. For instance, it can be prolonged for an additional 90 days in case of multiple births (for each additional child), or if the infant needs special care. It might also be prolonged if parents already have two or more children under the age of eight years, or in case of a premature birth. July 2013 11
Adoption leave Adoption leave is granted to either or both adoptive parents so that they and the child can have uninterrupted time together following the adoption. Adoption leave is 150 days for children aged between one and four years, and 120 days for children between four and ten years of age. When the adoption leave is taken by both adoptive parents together the total duration is limited to 150 or 120 days respectively. Parental benefit (maternity, paternity, childcare and adoption benefit) Parental benefit is paid during the parental leave. Insurance on the day before taking the parental leave is enough to be entitled to parental benefits. If there is no entitlement to parental leave, parental benefit might still be claimed if the person has been insured for at least 12 months in the previous three years. Maternity Benefit amounts to 100% of the average salary (or other calculation basis) for the 12 months preceding the first application for parental leave. Childcare benefit, Paternity Benefit and Adoption Benefit amount to 90% of the salary or other individual basis for the last 12 months (100% when the basis does not exceed 763.06). In case of missing months, 55% of the minimum wage is taken into account. The amount of parental benefit is limited, with the exception of maternity leave. Parental benefit is normally paid during the parental leave. The only exception is the Paternity Benefit. It is paid only for the first 15 days. For the remaining 75 days only social security contributions based on the minimum wage are paid for the father of the child. One of the parents is entitled to work part-time (not less than half of the full working time) until the child reaches the age of three years. This period is prolonged until the youngest child is six in case of two or three children in the family. If there are four or more children, one of the parents is allowed to leave the labour market entirely. In case of a disabled child the right to work part-time can be prolonged until the child reaches 18 years of age. In all these cases, the employer guarantees the pay for work actually performed, and for the remaining part full working time social security contributions are paid from the parental protection insurance. How are maternity and paternity benefits accessed? Parental leave and benefits are claimed at the regional Centre for Social Work, usually in the mother s permanent place of residence. Beneficiaries are obliged to notify their employer, normally 30 days prior to the planned parental leave. If this could not be done, the employer has to be notified within 3 days after the child birth. July 2013 12
Chapter V: Invalidity benefits When are you entitled to invalidity benefits? You may be entitled to Invalidity Pension and benefits of invalidity insurance if invalidity is ascertained. Invalidity occurs if, due to a change in health condition (as a result of injury or disease) which cannot be improved by medical treatment or rehabilitation, the capacity for work is reduced or lost. The Invalidity Commission of the Pension and Invalidity Insurance Institute of Slovenia establishes one of the three categories of invalidity, depending on the remaining work capacity: Category I: the insured is no longer able to perform organised productive work; Category II: the insured has lost 50% or more of his or her capacity to perform his or her normal work; Category III: the insured is no longer able to work full-time but can perform certain work part-time, or he or she has lost less than 50% of working capacity for his or her normal occupation, or can work full-time in his or her normal occupation but is no longer fit for the particular work to which he or she was assigned. Mandatory medical checks are foreseen every five years for persons who have acquired a right to benefit on the ground of invalidity before the age of 45 years. Medical checks can also be requested after that age or prior to expiration of the fiveyear period, based on the circumstances of each individual case. It might also be the case that medical checks are not required, even for a person who is younger than 45 years. What is covered? Invalidity Pension You may be entitled to an Invalidity Pension, if invalidity is established as: Category I; Category II, and you are unfit for any other suitable full-time work without occupational rehabilitation, which is not offered solely on account of being over 55 years of age, or for part-time work for at least 4 hours daily without an occupational rehabilitation, which is not offered solely on account of being over 50 years of age; Category II or III, but you cannot find suitable work or be redeployed because you reached the age of 65 years. If the invalidity was caused by an occupational injury or an occupational disease, the insured person is entitled to an Invalidity Pension without prior insurance requirement. Otherwise, he or she is entitled to an Invalidity Pension only, if a certain density of insurance exists, explained as follows. For instance, insurance should cover at least one third of the period between attaining 20 years of age (or 23 or 26 after higher or university education) and the occurrence July 2013 13
of invalidity. If the invalidity of Category I occurred when a disabled person is over 21 years but not yet 30 years of age, only one quarter of the period between reaching 21 years of age and the occurrence of the invalidity is required. More lenient conditions are stipulated if the invalidity of Category I occurred before reaching 21 years of age. In this case insurance at the time of invalidity or at least three months of insurance are required. The amount of Invalidity Pension is determined on the same basis used for calculating Old-age Pensions (in 2013: average wage in the 19 best consecutive years of the insurance period after 1970). The percentage of assessment is fixed taking into account the actual pension qualifying period and the added (fictitious) qualifying period for an insured person who did not reach the full pensionable age of 65. Benefits of invalidity insurance Invalidity Benefit Invalidity Benefit (nadomestilo za invalidnost) can be paid to an insured person who was recognised the right for a reassignment after having completed occupational rehabilitation and who is either: afflicted with an invalidity of Category II and beyond age 55; or afflicted with an invalidity of Category III if his/her capacity for work in his/her own occupation has been reduced by less than 50% or in particular cases if s/he can continue to work in his/her own occupation on a full-time basis but s/he is not capable of working at the position of employment s/he has been assigned to. Partial Benefit An insured person afflicted with invalidity of Category III who was recognised the right to work on a part-time basis for no less than four hours daily or twenty hours weekly may be entitled to a Partial Benefit (delno nadomestilo). The Partial Benefit is adjusted to the remaining hours of work the insured person continues to perform. The adjustment is applied to the invalidity pension the recipient would be entitled to on the day when the invalidity occurred. That is, if the person works 4 hours per day, s/he is entitled to 50% of the invalidity pension, if s/he works 5 hours per day s/he is entitled to 37.5%, if s/he works 6 hours per day s/he is entitled to 25% and if s/he works 7 hours a day s/he is entitled to 12.5%. Occupational rehabilitation Occupational rehabilitation is organised by the employer in cooperation with the Pension and Invalidity Insurance Institute of Slovenia, which also pays the costs. Occupational rehabilitation benefit (nadomestilo za čas poklicne rehabilitacije) is paid for the period between the acquisition of the right to occupational rehabilitation and its completion. Temporary benefit An insured person who, after the completion of the occupational rehabilitation, is entitled to a reassignment or to work on a part-time basis for no less than four hours daily or twenty hours weekly, shall be entitled to a temporary benefit (začasno nadomestilo) until they start working at another position on a full-time basis or a part-time basis for no less than four hours daily or twenty hours weekly. Assistance and Attendance Allowance Assistance and Attendance Allowance (dodatek za pomoč in postrežbo) is available to lawfully permanent resident recipients of old-age, early retirement, invalidity, widow/widower's and survivor's pension who need permanent help to satisfy their vital July 2013 14
necessities. It amounts to at least 76% of the minimum pension for a full pension qualifying period or half of the amount for persons who need assistance in performing a majority of vital necessities. How are invalidity benefits accessed? Loss or the degree of remaining work capacity, physical impairment and the need for other invalidity benefits is assessed by the expert physicians or Invalidity Commissions in the first and second instance. Individual experts and Invalidity Commissions are expert bodies of the Pension and Invalidity Insurance Institute of Slovenia. July 2013 15
Chapter VI: Old-age pensions and benefits When are you entitled to old-age benefits? Old-age Pension Entitlement to an Old-age Pension depends on retirement age and the length of qualifying and insurance period. The qualifying conditions for entitlement to an Oldage Pension are: 65 years for both men and women after an insurance period of 15 years (i.e. only periods for which contributions are paid), 60 years for both men and women after a qualifying period without a purchased period of 40 years (this includes periods taken into account regardless of the payment of contributions, but not purchased periods). However, during a transitional period, the following conditions apply: 63 years and 6 months in 2013 (64 years in 2014; 64 years and 6 months in 2015) for women after an insurance period of 15 years, 63 years and 6 months in 2013 (64 years in 2014; 64 years and 6 months in 2015) for men and 61 years and 6 months in 2013 (62 years in 2014; 62 years and 6 months in 2015, 63 years in 2016, 63 years and 6 months in 2017, 64 years in 2018 and 64 years and 6 months in 2019) for women after a pension qualifying period of 20 years (i.e. only periods for which contributions are paid). The minimum retirement age can be lowered in certain cases. For instance, it can be lowered for a certain child-raising period, or for women and men employed before the age of 18. What is covered? Old-age Pension The amount of an Old-age Pension is calculated as a percentage of the pension calculation basis. The latter takes into account the 19 highest paid consecutive years of the insurance period after 1970. During a transitional period which runs until 2018, one year is added at the beginning of each new calendar year until a period of 24 consecutive years is reached. Both minimum and maximum pension calculation bases are set. The percentage depends on gender, being slightly higher for women than for men, and on the length of the qualifying and insurance pension period. For instance, for those with a qualifying period of 40 years, the Old-age Pension amounts to 72.5% of the pension calculation basis. There is no upper percentage. In fact, insured persons are encouraged to work longer and defer the retirement. If an insured person works longer than the full working period (40 years) or retires after reaching the full age (65 for men and women), a calculation bonus (a certain additional percentage) is awarded. Reduction (malus) is also possible, if the person retires before reaching full retirement age. July 2013 16
Partial Pension If you have already qualified for an Old-age Pension or Early Pension, you have the right to a Partial Pension. You must not be employed (or be performing self-employed activities) for more than half of the full working time. Regardless of the reduction, a Partial Pension always equals half of the Old-age Pension to which you would have been entitled had you retired completely. Yearly Bonus Pensioners are entitled to a lump-sum Yearly Bonus (letni dodatek) which is granted in two different amounts depending on the amount of the pension. It is slightly higher for persons with somewhat lower pensions. How are old-age benefits accessed? Claims must be made at the branch office of the Pension and Invalidity Insurance Institute of Slovenia in the place where you were last insured. July 2013 17
Chapter VII: Survivors benefits When are you entitled to survivors benefits? There are general and specific conditions governing the payment of survivors pensions. General conditions apply to the deceased insured person and specific ones to the widow/er or other family members. General conditions regarding the deceased Surviving family members may be entitled to a survivor s pension if the deceased: fulfilled the eligibility conditions for a partial, old-age or invalidity pension, or already enjoyed a partial, old-age or invalidity pension or other benefits on the grounds of invalidity. Special conditions for Widow s or Widower s pension The following family members may be entitled to a Widow's or Widower's Pension (vdovska pokojnina): the surviving spouse, the cohabitating partner (if cohabitation lasted for at least three years, or at least one year if there is a common child) and the maintained divorced spouse. They might be entitled, if they have reached at least 58 years of age at the time of death of the spouse (if they have reached the age of 53, payment is postponed until age 58) or, they are completely incapable of work or become incapable within one year after the death, irrespective of age, or they are left with a child who is entitled to a Family Pension (družinska pokojnina) and the duty to maintain the child exists, or such child is born within 300 days after the death. Special condition for the Family Pension Those who may be entitled to a Family Pension (družinska pokojnina) due to the death of an insured person are his or her: children (born within or out of marriage, or adopted); step-children, grandchildren or other orphaned children, maintained by the deceased; parents and adoptive parents, if they were maintained by the deceased at the time of death. Children are entitled to the survivor s pension until the age of 15, or 18 (if registered as unemployed), or until they have completed their full-time education (attendance must be proved) but not beyond 26 years of age. A child who becomes completely incapable of working while still entitled to a survivor s pension remains entitled to this pension as long as the incapacity lasts. July 2013 18
Parents maintained by the deceased at the time of death are entitled to the family pension if they have reached the age of 60 years, or if they are disabled and cannot work. Death Grant and Reimbursement of Funeral Expenses Both are rights from the mandatory health insurance, and conditional upon a certain prior insurance period. They have to be claimed within 6 months of the death of the insured. Death Grant (posmrtnina) is a lump-sum one time benefit to the family members of the deceased, who were maintained by the deceased insured person. It is assumed that they were dependent on the deceased, if they had mandatory health insurance as his or her family members. Funeral expenses (pogrebnina) are (partially) reimbursed to the person who paid for the funeral of the deceased insured person. What is covered? Widow's or Widower's Pension Widow s or Widower s Pension amounts to 70% of the deceased's pension (old-age or invalidity) or the pension to which the deceased would have been entitled at time of death. A widow or widower who has the right to his or her own pension is entitled, in addition, to 15% of the Widow's or Widower's Pension, up to a certain limit. The amount of both pensions may not exceed that of an old-age pension calculated for a man from the highest calculation basis for a 40-year qualifying period. If a widow/er would be entitled to one from a selection of pensions, he or she may choose the most favourable (i.e. the highest) pension. The same rules apply to a divorced spouse who was entitled to maintenance from the deceased until his or her death. If the deceased remarried but continued to maintain the former spouse, then the last spouse and all other ex-spouses are treated as cobeneficiaries. Family Pension The percentage of the Family Pension depends on the number of entitled persons. In case of orphans having lost one parent: for a single member it amounts to 70% of the deceased person s pension, for two members it amounts to 80%, for three members to 90%, and for four or more members the Family Pension amounts to 100% of the deceased person s pension at the time of death. In case of orphans having lost both parents: for a single member it equals 100% of the prescribed basis of the higher of the deceased parents pensions at the time of death, for two or more members it will be based on 100% of both deceased parents pensions. These pensions are divided in equal parts corresponding to the number of July 2013 19
children. If division into equal parts is not possible, the remainder goes to the oldest child. How are survivors benefits accessed? Claims must be made at the branch office of the Pension and Invalidity Insurance Institute of Slovenia where the deceased was last insured. Death Grant and Reimbursement of Funeral Expenses have to be claimed at the local branch office of the Health Insurance Institute of Slovenia. Funeral expenses can also be claimed by the public institute managing the funeral, if an agreement with the Health Insurance Institute of Slovenia has been concluded. July 2013 20